Assume in the morning an equity mutual fund owned $20,000,000 in stocks and $1,000,000 in cash, owed $2,000,000 in bank loans and 10,000,000 shares outstanding. The stock prices increased 20%, yielded 1% (on the original value) in dividends and the MF manager paid down half his debt. (Round to the nearest penny) What is the new MF NAV?